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    TechTalk

    Expert commentary and analysis on market developments. Plus guidance on identifying planning opportunities.

    In this techtalk

    See how your business could benefit as our Financial Planning team
    looks at a range of topics on protection.

    Techtalk

    IT’S TIME TO START TALKING ABOUT FINANCIAL RESILIENCE IN 2020

    A summary of the Resilience Taskforce’s findings – following the conclusion of its work with the Money and Pensions Service on the national Financial Capability Strategy.

    PROTECTION AND IHT PETS

    We explain the key potentially exempt transfer and taper relief rules. Then illustrate how protection policies in trust can provide funds to pay IHT linked to lifetime gifts.

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    MORTGAGE PROTECTION AN OPPORTUNITY

    We look at the reasons why mortgage holders don’t take the steps to adequately protect their mortgage, why more advice isn’t given around Protection and what can be done to close the UK Protection gap.

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    ACCESS ALL AREAS

    Find out how the role of the new DWP Champion Access to Insurance Working Group is improving access to protection for people living with chronic conditions and disabilities.

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    CREATING TRANSPARENCY TO IMPROVE ACCESS TO INSURANCE

    To help demystify the protection underwriting process, we explain underwriting approaches to the three most common disclosures – mental illness, back pain and asthma.

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    ACTING IN THE CUSTOMER’S BEST INTERESTS

    The Insurance Distribution Directive requires advisers to act in the best interests of customers. This article reflects on how the protection advice process needs to change emphasis in order to deliver on this requirement.

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    TRUST BASICS: BARE, DISCRETIONARY, FLEXIBLE AND SPLIT

    A round up of useful trust basics – applicable to both family protection policies and investment bonds set up in trust.

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